Understanding Retroactive SSDI Eligibility

Colorado residents should know:

• SSA may grant benefits retroactively for up to 12 months before your SSDI application if your disability is proven to be that long-standing.
• Medical records are essential to show when your disabling condition began.
• Evidence must clearly document ongoing disability during the retroactive period.

Filing Date and Onset Date

Key points include:

• Your filing date is when benefits can start accruing, but an earlier disability onset date helps with retroactive payments.
• SSA requires details about your work history and how your condition affected your ability to work before filing.
• Delays in filing may limit the retroactive pay you qualify for, so filing promptly is advised.

Limitations on Retroactive Benefits

Keep in mind:

• Retroactive pay usually caps at 12 months before the application date; time beyond that is generally not covered.
• SSA evaluates your work credits and insurance status during the retroactive period.
• Changing eligibility rules or missing documentation can affect back pay.

Applying for SSDI in Colorado

To increase your chances:

• Gather comprehensive medical evidence and employment records supporting your disability's timeline.
• Consult with experts familiar with Colorado’s local SSA procedures.
• Be prepared to appeal if initial retroactive benefit decisions deny your full retroactive period.

Common Mistakes to Avoid

Watch out for:

• Waiting too long to file, which can limit how far back retroactive benefits apply.
• Insufficient documentation of the disability onset date.
• Failing to report work activity or other income that may affect SSDI eligibility.